Yeah, thanks. I just hope we don't hear any horror stories out of
South Texas next week w/ Emily coming. I emailed Noreen off list
since I heard there was flooding in Houston. No response yet, but
sometime I don't hear from her for a few days if she's really swamped
w/ work and all.
On 7/15/05, EvaTEsq@aol.com <EvaTEsq@aol.com> wrote:
> Oh, man, that blows. I'm so sorry.
>
> Eva
> Long Island, NY
> Zone 6/7
>
> Honor our dead. Demand the truth. _ http://www.afterdowningstreet.org/_
> (http://www.afterdowningstreet.org/)
> What is the Downing Street Memo?_
> http://democracyforamerica.com/memo_movie.php_ (http://democracyforamerica.com/memo_movie.php) _
> www.downingstreetmemo.com_ (http://www.downingstreetmemo.com/)
>
>
> In a message dated 7/15/2005 11:53:50 A.M. Eastern Standard Time,
> gardenqueen@gmail.com writes:
>
> thanks Eva - I'll pass that along, but they were woefully
> underinsured. They're out of business, permanently.
>
> On 7/15/05, EvaTEsq@aol.com <EvaTEsq@aol.com> wrote:
> > Oh Pam, I'm so sorry for your friends & their loss. They will be in my
> > thoughts and prayers. I hope they were properly (& fully) insured for
> both the
> > value of the contents, inventory & had business interruption loss coverage
> > (ie, loss of profits during the period after the fire until business is
> resumed).
> >
> > I have a case where there was a bad fire at a commercial building and one
> of
> > the tenants (not my client) DID NOT fully insure his inventory. He claims
> > it was all worth well over a million dollars, yet he was only insured for
> > $250,000 -- and that's all he got for the contents. He got a little more
> from
> > the insurance company for business interruption loss (he had that
> coverage as
> > well).
> >
> > Your friends should retain a public adjuster to represent them with the
> > insurance company. The public adjuster, for a small percentage of the
> amount of
> > money eventually recovered from the insurance company, will examine their
> > business and value it as high as legitimately possible for contents,
> inventory
> > and business interruption loss (if they had that coverage). If the
> insurance
> > company decides to cover the loss and pay out on the policy, the insurance
> > company will lowball them for the value of that. The public adjuster
> would
> > represent your friends and negotiate with the insurance company to get the
> > insurance company to pay as much as possible.
> >
> > Eva
> > Long Island, NY
> > Zone 6/7
> >
> > Honor our dead. Demand the truth. _ http://www.afterdowningstreet.org/_
> > (http://www.afterdowningstreet.org/)
> > What is the Downing Street Memo?_
> > http://democracyforamerica.com/memo_movie.php_
> (http://democracyforamerica.com/memo_movie.php) _
> > www.downingstreetmemo.com_ (http://www.downingstreetmemo.com/)
> >
> >
> > In a message dated 7/14/2005 7:40:07 P.M. Eastern Standard Time,
> > gardenqueen@gmail.com writes:
> >
> > Well I thought about that too David. I think they have them at the
> > house. Usually wind and hail give more trouble around here than
> > lightning. And our electrical lines are above ground also. As far
> > out as we are, I suppose I should be grateful we have electricity at
> > all! Went by there again today, what a mess. And the insurance
> > company is being really nasty, calling for an investigation and acting
> > like they torched the place. They are not happy campers. Sigh.
>
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--
Pam Evans
Kemp TX
zone 8A
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